Expired Garage Card but paying fees

I have been paying fees for a garage card that expired years back. Now I am told they cant refund me as I had a duty to tell them to cancel the card. IT EXPIRED, why must I cancel if the card is not usable? I used to have high regard for ABSA with 2 home loans there, vehicle finance, cheque card, credit card, other savings account but after this , I don't know.